Federal credit union · BRADFORD, Pennsylvania · NCUA charter #13823
Bradford Area
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $11.6M
- Total assets
- 1,398
- Members
- 13.1%
- Net-worth ratio
Bradford Area scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,398; net-worth ratio 13.09%; health rank #2,852 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,852 of 4,374 health · 2025Q4Bradford Area · health 79/100 · $11.6M · 2025Q4
- HEALTH 79/100
- NW 13.1%
- DELQ 0.62%
- ROA -0.06%
- ASSETS $11.6M
- MEM 1,398
- RANK #2,852/4,374
- PHOTO Erie Lackawanna Railroad Co Emp
- BOOK 13823
Call Report peers
Bradford Area in the assets neighbourhood
Bradford Area's $11.6M assets sit next to Erie Lackawanna Railroad Co Emp ($11.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bradford Area vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bradford Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13823. See our deposit-insurance coverage note.
Bradford Area vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 64.74% vs peer 59.80% (+4.94 pp).
- Net Worth Ratio trails the peer set - 13.09% here, 14.86% peer average (-1.77 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Bradford Area sits in Pennsylvania
- Health composite ranks #166 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #206 of 275.
- Membership ranks #194 of 275 among Pennsylvania CUs with a reported count (1,398 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Bradford Area
Bradford Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $11.6M (2025Q4) to $11.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.22% → 13.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 4.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 13.5 pts
Call Report ratios for Bradford Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.09% | -1.77 pp |
| Delinquency Rate | 0.62% | -0.53 pp |
| Return on Assets | -0.06% | -0.76 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 64.74% | +4.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Bradford Area
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.9M | - |
| 2025Q4 | $11.6M | 1,398 |
| 2024Q4 | $11.5M | 1,408 |
| 2023Q4 | $9.7M | 1,668 |
Credit Union Details
- Charter Number
- 13823
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- BRADFORD
- Data Quarter
- 2025Q4
Branch Location
Bradford Area operates a single office in Bradford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bradford Area Federal Credit Union (Main Office) | Bradford, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Bradford Area nationwide neighbourhoods
Bradford Area's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Bradford Area ranks #2,852 of 4,374 nationally on financial health and #166 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PITTSBURGH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PITTSBURGH
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bradford Area financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Bradford Area carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,852 of 4,374; by total assets it ranks #3,473 of 4,374 nationally (same basis as /rankings/largest); and #206 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.09% net worth ratio and a 0.62% delinquency rate.
How does Bradford Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Bradford Area's 79/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bradford Area?
Bradford Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Bradford Area directly for the exact boundaries and application steps.
Is my money safe at Bradford Area?
Federal credit unions like Bradford Area are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bradford Area's net worth ratio of 13.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bradford Area offer compared to banks?
Credit unions like Bradford Area are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bradford Area directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.